Long- Term Care Insurance

Long-Term
Care Insurance
Shopper’s Guide
Kim Holland, Oklahoma Insurance Commissioner
1.800.763.2828 | 405.521.6628
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 1
From the Commissioner
As Insurance Commissioner, I want to ensure that if you need long-term care
insurance, you understand what is available and make the choices that best fit
your needs.
Purchasing long-term care coverage can be very overwhelming. I encourage
you to invest the time you need to understand what is covered in the policy you
are considering. Your decision is important to your future, and I recommend that
you seek out one of Oklahoma’s knowledgeable insurance professionals who
specialize in Long-Term Care insurance to assist you.
The Oklahoma Insurance Department cannot advise you on which company
to use, but we can help you understand the terms of your policy. I invite you
to call the Oklahoma Senior Health Insurance Counseling Program (SHIP) at
1-800-763-2828. The call is free, and we appreciate the opportunity to assist you.
Kim Holland
Oklahoma Insurance Commissioner
2 1-800-763-2828 | (405) 521-6628 • Long-Term Care Insurance Shopper’s Guide
This guide contains information for individuals shopping
for long-term care insurance.
Foreword
Advantage, Medicaid, long-term care insurance, and
other health insurance options.
The Oklahoma Insurance Department’s SHIP Division If you would like to visit with a trained counselor or
has prepared this publication to assist you in your are interested in becoming one, please contact SHIP
understanding of long-term care insurance. Given the at 1-800-763-2828. Many of our volunteers are senior
tremendous changes in long-term care insurance policy citizens who enjoy volunteer work or are those who,
design within the last few years (for instance, elimination by their professions, are involved in assisting the aging
of prior hospitalization requirements, expansion of population in Oklahoma.
available benefits and coverage of additional sites),
This booklet is intended as a “guide.” Once you have
buyers today are clearly receiving more benefits for their
selected a company, you should consult with the
premium dollars.
insurance company or its representative to determine
Long-term care insurance is a complex product with policy specifics and review the options that are available
many variations among companies. Properly comparing with that company. If a company is not listed, please
any two policies is a challenge. Complicating the contact the SHIP office for further information.
process even further, many companies offer more than
Consumer brochures explaining other insurance
one comprehensive plan or offer riders that effectively
coverage are available to Oklahoma residents.
convert a basic comprehensive plan into an enhanced
plan. Compiling information from many sources—no These, too, are available from:
matter how careful the data compilation—is difficult. Oklahoma Insurance Department
Please keep this in mind when you draw conclusions P.O. Box 53408
from this guide. Oklahoma City, OK 73152-3408
If you need personal assistance and consultation, the
Senior Health Insurance Counseling Program staff can For additional Insurance Department information, call:
help you understand and sort out problems with: Toll Free Number: 1-800-522-0071
• Medicare Complaints & Claims: (405) 521-2991
• Medicare Supplement Insurance
Information on Licensed Companies: (405) 521-3966
• Medicare Advantage
• Medicaid General Information: (405) 521-2828
• Long-Term Care Insurance Questions on Life & Health Policies: (405) 521-3541
• Other Health Insurance Options Information on Insurance Agents: (405) 521-3916
The Senior Health Insurance Counseling Program Property & Casualty Rates
(SHIP) trains and utilizes a volunteer staff of insurance and Policies Information: (405) 521-3681
counselors statewide who provide one-on-one counseling
and assistance to senior citizens. These volunteers Medicare Fraud 1-888-967-9100
provide free, accurate, and objective information that
can help Medicare recipients make informed decisions
about their health care needs.
The SHIP volunteer counselors are trained by the SHIP
staff who have completed a required two-day course
covering Medicare, Medicare supplements, Medicare
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 3
T able of Contents
OkLAHOMA SHOpper’S GuIde TO
LONG-TerM CAre INSurANCe
What is long-term care? .................................................................................................................................... 5
How much does long-term care cost? ............................................................................................................ 5
How would you pay for long-term care services? ........................................................................................ 6
Who may need long-term care services?........................................................................................................ 6
Do you need long-term care insurance? ......................................................................................................... 6
What is a federally tax-qualified long-term care insurance contract? ...................................................... 7
What is a long term-care insurance partnership policy? ............................................................................. 8
How can you buy long-term care insurance? ................................................................................................. 9
How do policies work? ........................................................................................................................................ 9
What services are covered? .......................................................................................................................... 9
How are benefits paid? ................................................................................................................................. 10
When do benefits begin? .............................................................................................................................. 10
What happens when long-term care costs rise? ..................................................................................... 11
Other policy options to consider when purchasing coverage ............................................................... 12
Will your health affect your ability to purchase a policy?........................................................................... 12
What happens if you have pre-existing conditions?.................................................................................... 13
Can you renew your coverage?....................................................................................................................... 13
What do policies cost? ..................................................................................................................................... 13
Long-Term Care Shopping Tips ....................................................................................................................... 14
Insurance Company Listing .............................................................................................................................. 14
4 1-800-763-2828 | (405) 521-6628 • Long-Term Care Insurance Shopper’s Guide
L ong-Term Care
Shopping for Long-Term Care
WhaT iS LonG-Term Care?
Long-term care involves a wide variety of services If individuals have physical illnesses or disabilities,
for people with long physical illnesses, disabilities, they will often need hands-on help with their
or cognitive disorders (such as Alzheimer’s disease). activities of daily living (AdLs). These AdLs include
bathing, continence, dressing, eating, toileting and
Long-term care includes many different services
transferring. If individuals have cognitive impairments,
that help people with chronic conditions overcome
they will usually need supervision, protection or verbal
limitations that keep them from being independent.
reminders to do their everyday activities.
Long-term care helps individuals maintain their
levels of functioning, rather than improving or correcting The way long-term care services are provided will
medical conditions. Long-term care continue to change. However, skilled care and
services include, but are not limited to, help with personal care are the terms most often used to describe
activities of daily living, home health care, respite long-term care and the type or level of care
care, adult day care, nursing home care, and assisted you may need.
living care.
Skilled Care vs. Personal Care
Skilled Care: Personal Care:
People usually need skilled care for medical This is also called custodial care. It helps
conditions that require care by medical individuals perform activities of daily living,
personnel, such as registered nurses or such as bathing, continence, dressing, eating,
professional therapists. This care is often toileting and transferring. Personal care is less
provided 24 hours per day, is ordered by a involved than skilled care and may be provided
physician, and follows a treatment plan. in many different settings.
Note: Medicare and Medicaid have their own definitions
of skilled nursing care. They do not necessarily match
the definitions found in long-term care policies.
hoW muCh doeS LonG-Term Care CoST?
Long-term care can be expensive. The cost will depend on the amount and type of care you need and where it is
provided. Long-term care can be paid for in a variety of ways, such as personal resources, long-term care insurance
and Medicaid assistance.
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 5
hoW WouLd you Pay for LonG-Term Care ServiCeS?
Long-term care services are usually paid for by one or more of the
following methods:
• Individual Out-of-Pocket:
Individuals and their families pay less than one-third of all nursing
home costs out of their own funds. Generally, the money is obtained
from savings or investments or by selling their assets, such as land or
their homes.
• Medicaid:
Medicaid pays for more than half of all nursing home care. Medicaid
may also pay for some home and community-based services. To
qualify, you must meet federal poverty guidelines for income and
assets. You may have to “spend down” or use up most of your assets
before Medicaid is able to help. Many people begin paying for nursing
how would you pay for home care out of their own funds and then spend down their financial
long-term care services? resources until they are eligible for Medicaid. Medicaid will then pay
part or all of their nursing home expenses.
Who may need • Long-Term Care Insurance:
Long-term care insurance is designed to help pay for an individual’s
long-term care services?
long-term care expenses. Depending on the plan you choose, it may
pay part or all of your care. This guide will help you decide if you
do you need need a long-term care insurance policy. If you decide to purchase one,
long-term care this guide will provide information to select the one that will best fit
insurance? your needs.
• Long Term Care Insurance Partnership Products:
Several states, including Oklahoma, offer an additional type of long-
term care insurance policy. These products are available as a result
of a public-private partnership that allows state Medicaid programs
to disregard assets equal to the benefits paid by certified partnership
polices if a person applies for Medicaid benefits.
Who may need LonG-Term Care ServiCeS?
The need for long-term care may begin gradually as you find that you
need more and more help with your activities of daily living, such as
bathing or dressing. Or you may suddenly need long-term care after an
illness, such as a stroke or heart attack. If you do need care, you may
need nursing home or home health care for only a short time, or for
months, years or the rest of your life.
do you need LonG-Term Care inSuranCe?
People buy long-term care insurance for a variety of reasons.
These reasons include:
• Having significant assets and income
• Wanting to stay independent of the support of others
• Wanting the flexibility of choosing care in the setting of your choice
6 1-800-763-2828 | (405) 521-6628 • Long-Term Care Insurance Shopper’s Guide
Who ShouLd noT buy LonG-Term Care inSuranCe? Who should not buy
You should not buy long-term insurance if you: long-term care
• Cannot afford the premiums, insurance?
• Have limited assets, or
• Are on Medicaid
What is a federally
WhaT iS a federaLLy Tax-quaLified tax qualified
LonG-Term Care inSuranCe ConTraCT? long-term care
Federally tax-qualified long-term care insurance contracts provide certain federal insurance contract?
income tax advantages. These qualified contracts were created by the passage of the
Health Insurance portability and Accountability Act of 1996 (HIpAA). If you are Tax-qualified vs.
paying a premium for a qualified long-term care contract, you may deduct part or the non tax-qualified
entire premium. policies table
The premium can be added to your other deductible medical expenses. If this total
amount exceeds 7.5% of your gross income, you may claim a deduction for the amount
exceeding 7.5% of your gross income on your federal tax return.
The maximum amount you can add to your other deductible medical expenses is
based on your age at the end of each tax year. Benefits you receive from a qualified
long-term care insurance contract are generally not taxable as income.
Tax-qualified Policies non Tax-qualified Policies
Premiums can be included with other You can’t deduct any part of your annual
annual, uncompensated medical premiums.
expenses for deductions from your
income in excess of 7.5% of adjusted
gross income up to a maximum amount
adjusted for inflation.
Benefits that you may receive will Benefits that you may receive may or may
not be counted as income. not count as income. The U.S. Department
of the Treasury has not yet ruled on this
issue.
Benefit triggers may be more restrictive Policies can offer a different combination
than those which may be allowed in non of benefit triggers. Benefit triggers may not
tax-qualified policies. The federal law be restricted to 2 of 6 ADLs.
requires you be unable to do from 2 to 5
out of 6 possible ADLs without substantial
assistance.
“Medical necessity” can’t be used as a “Medical necessity” and/or other
trigger for benefits. measures of disability can be offered as
benefit triggers.
Disability must be expected to last for at Policies don’t have to require that the
least 90 days. disability be expected to last for at least 90
days.
For cognitive impairment to be covered, Policies don’t have to require “substantial
a person must require “substantial supervision” to trigger benefits for
supervision.” cognitive impairments.
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 7
information on PoLiCieS PurChaSed before January 1, 1997:
policies purchased • HIpAA “grandfathered” these older policies to be considered
before January 1997 “federally tax-qualified,” although they may not have all of the
provisions of the new policies.
What is a long-term • The same income tax treatment applies to the grandfathered policies.
care insurance
partnership policy? • You should carefully examine the advantages and disadvantages of
trading the grandfathered policy for a new one. In most cases, keeping
your old policy will be to your advantage.
Policies sold after January 1, 1997, that are intended to be considered tax-
qualified for favorable income tax treatment must meet certain
federal standards.
In order to be a qualified long-term care policy:
• It must provide coverage only for qualified long-term care services.
• It must be guaranteed renewable, generally cannot provide a
cash surrender value, and must include a number of consumer
protections.
WhaT iS a LonG-Term Care inSuranCe
ParTnerShiP PoLiCy?
If the policy you buy is a Partnership policy, then assets equal to
the dollar amount paid in policy benefits will be disregarded should
you apply for Medicaid. Simply stated, if you purchase a partnership policy,
you may qualify for Medicaid and still be able to pass along assets to your
heirs. (Note: Medicaid’s income eligibility requirements will still apply.)
Partnership policies are very similar to other long-term care policies
but have these important differences:
• The insured must be a resident of Oklahoma, or another
partnership state, at the time the policy is issued.
• The policy must be tax-qualified.
• When issued to an individual under the age of 76, the policy must
contain a specified minimum inflation protection benefit.
• The applicant/buyer will receive disclosures to show that the
policy was issued as a partnership policy.
• In some instances, a buyer may be able to exchange a
non-partnership policy for a partnership policy.
For more information on long-term care partnership policies, please visit
www.okltcpartnership.org.
8 1-800-763-2828 | (405) 521-6628 • Long-Term Care Insurance Shopper’s Guide
hoW Can you buy LonG-Term Care inSuranCe? how can you buy
Private insurance companies sell long-term care insurance policies. long-term care
You can purchase this coverage through: insurance?
• Your insurance agent
how do policies work?
• A group policy of an employer
• A life insurance policy What services
Insurance companies must be licensed in this state to sell long-term care are covered?
insurance. If you decide to purchase a policy, please contact the Oklahoma
Insurance Department to determine if the company you are considering is
licensed and in good standing.
The number for information on licensed companies is (405) 521-3966
or toll free (800) 522-0071 and ask for the Financial Division.
hoW do PoLiCieS Work?
Long-term care insurance policies are not standardized like Medicare
supplement plans. Instead, companies are selling policies that combine
a variety of benefits and coverage in different ways.
Policies may also be complicated. Since there are so few standards for these
new policies, every company must be careful to define its terms, benefits,
and exclusions in the policy. Companies must deliver to a prospective buyer
an “Outline of Coverage” which helps to explain these terms.
Bottom line: Be thorough when shopping for long-term care coverage.
WhaT ServiCeS are Covered?
You need to understand what services your long-term care insurance policy
covers and the many types of long-term care services you might use. Some
policies cover only stays in nursing homes. Others cover only care in your
home. Still others cover both nursing home and home health care. Many
policies also include coverage for adult day care centers, assisted living
centers or other community facilities.
Home health care coverage also varies. Some policies pay benefits only for
skilled nursing care performed in your home by registered nurses, licensed
practical nurses, and occupational, speech, and/or physical therapists.
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 9
hoW are benefiTS Paid?
Insurance companies usually pay benefits in one of two ways:
the expense-incurred method or the indemnity method.
expense-incurred vs. indemnity method
expense-incurred:
The insurance company pays either you or the provider for the
actual expense up to the daily limits in your policy. The company
will pay benefits to you only for services covered in your policy.
Most policies bought today pay benefits using this method.
indemnity method:
how are benefits paid? In the indemnity method, the benefit is a set dollar amount. Once
the company decides that you are eligible for benefits, it will pay
When do benefits begin benefits directly to you, not the provider. The policy spells out the
(elimination period)? amount the company will pay.
When do benefiTS beGin (eLiminaTion Period)?
Your long-term care benefits may not begin the first day you enter
a nursing home or begin using home care. Most policies have an
elimination period (sometimes called a deductible or a waiting
period). With an elimination period, benefits begin 20, 30, 60, 90 or
100 days after you start using long-term care. Some policies have a
zero elimination period, but these tend to cost more. The elimination
periods may also be shorter for home health care benefits. The number
of days you wait will depend on the number of elimination days you
select at the time of purchase. Of course, during the elimination
period, you will have to cover the cost of nursing care.
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WhaT haPPenS When LonG-Term Care CoSTS riSe
(infLaTion ProTeCTion)?
Inflation protection can be one of the most important additions you
make to a long-term care policy. However, some people hesitate to
purchase this protection as it adds significantly to the cost of the policy.
unless your policy provides a way to increase your daily benefit,
years from now you may find yourself owning a policy whose benefit
has not kept pace with the increasing costs of nursing home services. A
nursing home that costs $100 today will cost $265 in 20 years, assuming
an inflation rate of 5% a year. Obviously, the younger you are when
you buy coverage, the more important adding inflation protection to
your policy becomes. You can usually buy inflation protection in two
ways. The first regularly increases your benefits each year. The second
lets you choose to increase your benefits regularly, such as every three
years, at the price the company is currently charging. Be sure you
understand the implications of accepting or rejecting an opportunity to
increase the inflation protection benefits of your policy. There are also two
types of increases made available, simple and compound. under
both, benefits are increased by a fixed percentage, such as 5%, but
over time these differ based on how the interest is calculated. What happens when
long-term care costs rise
These are explained as follows:
(inflation protection)?
Simple vs. Compound
Simple:
The dollar amount of the increase added to the benefit is the
same every year. Example: A $100 per day policy that increases
by 5% simple interest will provide $200 per day in 20 years.
Compound:
The benefits increase by an increasing dollar amount from one
year to the next. Example: The same $100 per day policy as above
which increases at 5% compounded interest will provide $265
per day in 20 years.
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 11
oTher PoLiCy oPTionS To ConSider When
PurChaSinG CoveraGe:
You will be able to select from a number of other options or policy
features. each may add to the cost of your policy but will enhance
your coverage. Many of these will not cost extra as they are included in
the base price. Be sure to ask which features will increase the cost of
your coverage. The most common benefits are assisted living facility,
home health care, hospice care, respite care, alternate care services,
case management services, restoration of benefits, medical equipment
coverage, spousal discounts, survivorship benefits, bed reservation
reimbursement, third party notice, and waiver of premium. Some of
these options are described below.
• Third Party Notice—This benefit is required to be offered in
Oklahoma. It allows you to name someone that the insurance company can
Policy options to consider contact if your coverage is about to end due to non-payment of premium.
when purchasing You can pick a relative, friend or a professional contact.
coverage After the company contacts the person you chose, he or she will have a set
period of time to notify you to pay the premium or, if prior arrangements
Will your health affect have been made between you and your contact person, that person can
your ability to purchase pay the overdue premium. This is especially important for people who
a policy? develop a cognitive impairment.
• Waiver of Premium—This option allows you to stop paying your
premium once you enter a nursing home, and the company has started
to pay benefits. This may begin when the company makes its first
payment, or it can be a set period of time such as 90 days.
• Nonforfeiture Benefits—Nonforfeiture guarantees you will
receive something (such as limited benefits or a return of premium)
if you cancel the policy or the company cancels because your
payments stop. It pays you back some value for the money you
have paid into the policy.
WiLL your heaLTh affeCT your abiLiTy
To PurChaSe a PoLiCy?
Companies that sell long-term care insurance “underwrite” their
coverages. This means that companies look at health issues before
they issue policies. Some companies do what is known as “short-form”
underwriting. On their applications, they may ask questions to find
out if applicants have been hospitalized recently or are confined to a
wheelchair. Most companies conduct more extensive underwriting.
They may examine current medical records and ask for doctors’ health
statements.
12 1-800-763-2828 | (405) 521-6628 • Long-Term Care Insurance Shopper’s Guide
WhaT haPPenS if you have Pre-exiSTinG CondiTionS? What happens if you
Insurance companies may have pre-existing condition limitations have pre-existing
in their contracts. Pre-existing conditions are generally defined as conditions?
conditions for which one seeks advice or treatment or had symptoms
within a certain period of time before the policy went into effect. Can you renew
Most companies look at health status, as explained before, and they your coverage?
may review past history. This may be important to you if you have a
pre-existing condition. A company that learns you didn’t disclose a
pre-existing condition on your application might not pay for treatment What do policies cost?
related to that condition and might even cancel your coverage. While
some companies have pre-existing condition limitations in their
contracts, most do not have them if the condition is disclosed on the
application. In Oklahoma, the maximum period for a pre-existing
condition is six months.
Can you reneW your CoveraGe?
When buying a long-term care policy, you must consider not only
whether you can afford to pay the premium now, but also whether
you will be able to continue to pay the premiums in the future.
premiums on these policies are not guaranteed. When a policy is
“guaranteed renewable,” the company guarantees that it will offer you
the opportunity to renew the policy and continue the coverage; the
company does not guarantee you the opportunity of renewing at the
same premium. Premiums may rise over time as companies begin to
experience a greater payout in claims. All individual policies sold in
Oklahoma must be guaranteed renewable.
WhaT do PoLiCieS CoST?
A long-term care insurance policy can be expensive. You will need to
be sure you can pay the premium for it and still afford your other health
insurance coverage. A couple aged 65 can spend around $7,500 for all
of their health insurance coverage. The annual premium for a long-
term care policy with good inflation protection can run about $2,000 for
someone age 65.
Premiums will be lower for those who are younger and more for
those who are older. If you buy a policy at age 75, the premium will
generally be two and one half times greater than if you had bought the
policy at age 65. It could be six times higher than if you bought it at
age 55. Inflation protection can add 25 to 100 percent to the premium-
depending on your age at purchase. Nonforfeiture benefits can also add
significantly to the cost of the policy. Consider how much income you
have and how much you can afford to spend on a long-term care policy
now. Also try to project what your income is likely to be in the
future, what your living expenses will be, and how much you can pay for
long-term care premiums. If you do not expect your income to increase,
purchasing a policy now with a premium that is at the upper limit of
what you think you can afford may not be wise.
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 13
LonG-Term Care ShoPPinG TiPS
DO: DON’T:
• do your homework. Get a realistic idea of what • Don’t buy on the first sales visit.
you need and how much you can afford to pay
• Don’t sign a blank application.
for it.
• Don’t pay in cash. Don’t write checks payable
• Shop around. There are lots of long-term care
to agent. Make them payable to the insurance
policies with big differences in price and
company.
benefits.
• Don’t buy until you are sure you understand
• read the outline of coverage very carefully.
exactly what you are getting.
• Ask questions about everything you
• Don’t buy unless you are sure you can afford to
don’t understand. make the payments every year. Keep in mind
• Ask your lawyer, a friend or a relative to review that premiums may increase in future years.
the policy to see what you may have missed.
inSuranCe ComPany LiSTinG
The following is a list of companies that are licensed in the state of Oklahoma to sell long-term care
insurance policies. The Oklahoma Insurance Department has made every attempt to list all of the
companies and any exclusion is unintentional. This list does not constitute a recommendation by the
Oklahoma Insurance Department.
Alliance Life Insurance Company of America Constitution Life Insurance Company
P.O. Box 1344 1001 Heathrow Park Lane, Ste 5001
Minneapolis, MN 55440-1344 Lake Mary, FL 32746
800-950-5872 800-789-6364
American Pioneer Life Insurance Continental General Insurance Company
1001 Heathrow Park Lane, Ste 5001 P.O. Box 29136
Lake Mary, FL 32746 Mission, KS 66201
800-538-1053 877-291-5434
Berkshire Life and Casualty Equitable Life and Casualty
700 South Street 3 Triad Center, Suite 200
Pittsfield, MA 01201 Salt Lake City, UT 84180-1202
800-819-2468 Gen Worth Financial
Blue Cross Blue Shield of Oklahoma 6620 West Broad Street
6620 West Brook Street Richmond, VA 23230
Richard, VA 23230 800-844-6543
888-436-9678 Guarantee Trust Life Insurance Company
Combined Insurance Company of America 1275 Milwaukee Avenue
5050 Broadway Glenview, IL 60025
Chicago, IL 60640 800-338-7452
800-999-2170
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John Hancock Life Insurance Company Pennsylvania Life Insurance Company
P.O. Box 111 1001 Heathrow Park Lane
Boston, MA 02117 Lake Mary, FL 32746
800-543-6415 800-228-9100
Marquette National Life Insurance Company Physicians Mutual Insurance Company
1001 Heathrow Park Lane, Ste 5001 2600 Dodge Street
Lake Mary, FL 32746 Omaha, NE 68131
800-934-8203 800-228-9100
Med America Insurance Company Prudential Financial
651 Holiday Drive Forest Plaza 290 West Mount Pleasant Avenue
Building 5, Suite 300 Livingston, NJ 07039
Pittsburg, PA 15220 800-732-0416
800-799-0902
Pyramid Life Insurance Company
Metropolitan Life Insurance Company 1001 Heathrow Park Lane, Suite 5001
57 Green Farm Road Lake Mary, FL 32746
Westport, CT 06880 800-777-1126
888-799-0902
State Farm Mutual
Minnesota Life Insurance Company Automobile Insurance Company
400 Robert Street North One State Farm Plaza
St. Paul, MN 55101 Bloomington, IL 61710-0001
888-505-9817 Contact any local State Farm Agent
Mutual of Omaha Insurance Company State Life Insurance Company
Mutual of Omaha Plaza One American Square
Omaha, NE 68175 Indianapolis, IN 46282
800-775-6000 800-428-2316
National States Insurance Company 1830 United American Insurance Company
Craig Park Court Suite 100 3700 South Stonebridge Drive
St. Louis, MO 63146 McKinney, TX 75070
800-868-6788 800-331-2512
Northwestern Long Term Care Insurance Company Unum Provident Corporation
720 East Wisconsin Avenue 2211 Congress Street
Milwaukee, WI 53202 Portland, ME 04122
414-665-1444 800-331-1538
Penn Treaty Network America
Insurance Company
3440 Lehigh Street
Allentown, PA 18105-7066
800-362-0700
Long-Term Care Insurance Shopper’s Guide • 1-800-763-2828 | (405) 521-6628 15
This publication, printed by DCS-Central Printing, is issued by the Oklahoma Insurance
Department, as authorized by Kim Holland, Insurance Commissioner. Eight Thousand Two
Call the SHIP at:
Hundred Fifty copies (8,250) have been prepared and distributed at a cost of $6,050. Copies 1-800-763-2828
have been deposited with the Publications Clearinghouse of the Department of Libraries.
Funded by the Centers for Medicare and Medicaid Services. Grant #11-P-20203/6-16. (405) 521-6628